2 Year Contestability Clause

Florida's Two Year Life Insurance Contestability Clause

Florida Statute section 627.455 states that every life insurance contract is incontestable after it has been in force during the lifetime of the insured for a period of 2 years from its date of issue. This means that if you are a beneficiary on a life insurance policy which was in effect for at least two years prior, you should be entitled to collect the life insurance benefits in Florida.

There are very limited exceptions to Florida's two year incontestability clause in life insurance contracts. After two years, a Florida life insurance company can still deny payment of benefits for nonpayment of premiums.

If you are claiming benefits under a life insurance policy in Florida that has been in effect for more than two years and the Florida life insurance company is not paying the benefits timely, call me for a free consultation at 800-337-7755.

We handle life insurance claims in Florida against nearly all life insurance companies in Florida. These include Aviva, MetLife, USAA, Allstate, Prudential, TransAmerica and more.

We also handle life insurance disputes in Miami, Fort Lauderdale, Orlando and every city in Florida.


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